If you are retired or a pensioner and suspect that something wrong was deducted from your payment, it's time to carefully check your INSS records.
Next, you'll learn the correct way to identify any unauthorized discounts. Here's the step-by-step guide:
1. Find out if there was any unfair discount
To check whether funds were withdrawn without their consent, the beneficiary must review their INSS statement. Here's how:
- Access the app or website My INSS and enter your CPF and password gov.br;
- On the home screen, click “Benefit Payment Statement”;
- Choose your benefit number and click on it;
- Then, the payment statement details will be displayed;
- Search for releases with description “association debt” ou “membership fee”;
- For a more accurate analysis, consult the extracts from the years 2019 to 2024.
2. How to Cancel an Unfair Charge?
Did you spot an irregular discount? You can cancel the monthly membership fee yourself through the app. Follow the guide below:
- Get in on My INSS with your gov.br login and password;
- In the search field (magnifying glass icon), type “membership fee”;
- Among the options that appear, choose “exclude monthly membership or union fees from the benefit”;
- Please click Update to review and, if necessary, correct your data. Then, select Advance;
- Read the instructions carefully and click again. Advance;
- Fill in the requested information and continue by clicking on Advance;
- If you need to attach documents, upload the files and move on to the next step;
- Choose your preferred INSS agency and proceed;
- Review all information, check the box “I declare that I have read and agree with the information above”, and click on Advance to finish.
This request can also be made by telephone by calling Central 135, or directly with the entity that carried out the collection.
3. How to Prevent New Discounts?
If you want to protect yourself from future debts, you can request a freeze on your membership fee authorization. The process is simple:
- No My INSS, go to the option “request to block or unblock monthly fees”;
- Enter your CPF and gov.br account password;
- Follow the platform's instructions to confirm the block.
This block acts as an extra protection: it prevents new discounts from being made without your express permission.
4. Other Alternatives to Recover Values
If you prefer to file a formal complaint, you can also pursue your rights through Consumer Portal. See how:
- Visit the site www.consumidor.gov.br;
- Make a complaint to the entity responsible for the discount;
- Request directly the reimbursement of amounts charged unduly.
Additionally, it is possible to enter with a lawsuit. According to the lawyer Gisele Kravchychyn, president of the Brazilian Institute of Social Security Law (IBDP), the beneficiary can:
“File a lawsuit requesting reimbursement of amounts unduly discounted and, depending on the case, also request a compensation for moral damages, according to the damages suffered and the evidence presented.”
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Frequently Asked Questions About Undue Discounts from the INSS
1. What is the INSS membership fee fraud?
It is a scheme in which entities charged monthly fees from retirees and pensioners without authorization, directly from INSS benefits.
2. How do I know if I was the victim of an unfair discount?
Access your benefit statement on Meu INSS and look for entries such as “association debt” or “association monthly fee.”
3. Where can I access my benefit statement?
Via website or app My INSS, available for Android, iOS and internet browsers.
4. What period should I check on the statement?
It is recommended to analyze the extracts between 2019 and 2024, where most cases were recorded.
5. Do I need to pay to access Meu INSS?
No. Using the app and website is completely free.
6. Can I cancel the discount without leaving home?
Yes. Cancellation can be done directly through the Meu INSS app.
7. How do I delete the membership fee?
Access Meu INSS, search for “associative monthly fee” and select the delete option.
8. What happens after I request deletion?
The INSS analyzes the request and, if approved, the charge ends in the next payments.
9. Is it possible to request a refund of amounts already discounted?
Yes. You can request this directly from the entity or file an official complaint on the Consumer Portal.
10. How do I access the Consumer Portal?
Just enter in www.consumidor.gov.br, create a login and register your complaint.
11. Can I call INSS to resolve the problem?
Yes. Call Central 135, which operates from Monday to Saturday, from 7 am to 22 pm.
12. Is there any way to prevent further discounts?
Yes. In My INSS, you can request the preventive blockade of associative discounts.
13. Does blocking monthly payments prevent all discounts?
It only prevents new membership fee discounts without your prior authorization.
14. Are INSS employees involved in the fraud?
According to the Federal Police, yes. Six employees have already been removed from their positions during the investigation.
15. Can I sue the entity that made the discount?
Yes. It is possible to file a lawsuit to seek compensation and moral damages.
16. Do I need a lawyer to sue the entity?
For smaller amounts, you can go to Small Claims Court without a lawyer. For larger cases, having one is recommended.
17. How long does it take to delete the discount?
After submitting the order, the average time is up to 30 days, depending on the INSS analysis.
18. Do I need to attach documents when requesting deletion?
Not always. But in some cases, the system may ask for proof of proof or personal documents.
19. Is the undue discount illegal?
Yes. Any unauthorized charge is considered illegal and must be canceled.
20. What should I do if I can't resolve the issue through the INSS?
Contact your city's Procon, file a complaint on the Consumer Portal, or seek legal assistance.
